KLARNA GROUP PLC (KLAR) Stock Fundamental Analysis

NYSE:KLAR • GB00BMHVL512

13.08 USD
-0.77 (-5.56%)
At close: Feb 20, 2026
13.1 USD
+0.02 (+0.15%)
After Hours: 2/20/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Overall KLAR gets a fundamental rating of 2 out of 10. We evaluated KLAR against 98 industry peers in the Financial Services industry. While KLAR seems to be doing ok healthwise, there are quite some concerns on its profitability. KLAR is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • In the past year KLAR has reported negative net income.
KLAR Yearly Net Income VS EBIT VS OCF VS FCFKLAR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 500M -500M -1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of -1.09%, KLAR is doing worse than 77.55% of the companies in the same industry.
  • With a Return On Equity value of -9.23%, KLAR is not doing good in the industry: 77.55% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -1.09%
ROE -9.23%
ROIC N/A
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
KLAR Yearly ROA, ROE, ROICKLAR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for KLAR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
KLAR Yearly Profit, Operating, Gross MarginsKLAR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 -10 -20 -30 -40 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • KLAR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, KLAR has about the same amount of shares outstanding.
  • KLAR has a worse debt/assets ratio than last year.
KLAR Yearly Shares OutstandingKLAR Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 100M 200M 300M
KLAR Yearly Total Debt VS Total AssetsKLAR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • KLAR has a Debt/Equity ratio of 1.07. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of KLAR (1.07) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.91%
KLAR Yearly LT Debt VS Equity VS FCFKLAR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

  • KLAR has a Current Ratio of 12.75. This indicates that KLAR is financially healthy and has no problem in meeting its short term obligations.
  • KLAR's Current ratio of 12.75 is amongst the best of the industry. KLAR outperforms 97.96% of its industry peers.
  • A Quick Ratio of 12.75 indicates that KLAR has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 12.75, KLAR belongs to the top of the industry, outperforming 97.96% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 12.75
Quick Ratio 12.75
KLAR Yearly Current Assets VS Current LiabilitesKLAR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 108.96% over the past year.
  • KLAR shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.51%.
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • KLAR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 171.62% yearly.
  • Based on estimates for the next years, KLAR will show a very strong growth in Revenue. The Revenue will grow by 25.66% on average per year.
EPS Next Y-1106.4%
EPS Next 2Y205.61%
EPS Next 3Y171.62%
EPS Next 5YN/A
Revenue Next Year27.11%
Revenue Next 2Y28.17%
Revenue Next 3Y25.66%
Revenue Next 5YN/A

3.3 Evolution

KLAR Yearly Revenue VS EstimatesKLAR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
KLAR Yearly EPS VS EstimatesKLAR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0 0.5 -0.5 1

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • KLAR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • The Price/Forward Earnings ratio is 23.34, which indicates a rather expensive current valuation of KLAR.
  • 68.37% of the companies in the same industry are cheaper than KLAR, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of KLAR to the average of the S&P500 Index (28.06), we can say KLAR is valued inline with the index average.
Industry RankSector Rank
PE N/A
Fwd PE 23.34
KLAR Price Earnings VS Forward Price EarningsKLAR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 -20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
KLAR Per share dataKLAR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • KLAR's earnings are expected to grow with 171.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y205.61%
EPS Next 3Y171.62%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • KLAR does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

KLARNA GROUP PLC

NYSE:KLAR (2/20/2026, 8:04:00 PM)

After market: 13.1 +0.02 (+0.15%)

13.08

-0.77 (-5.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-19
Earnings (Next)05-11
Inst Owners40.58%
Inst Owner Change14.07%
Ins Owners13.18%
Ins Owner ChangeN/A
Market Cap4.93B
Revenue(TTM)5.24B
Net Income(TTM)-226.00M
Analysts80.87
Price Target44.94 (243.58%)
Short Float %6.37%
Short Ratio6.15
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.12%
PT rev (3m)-10.19%
EPS NQ rev (1m)22.13%
EPS NQ rev (3m)-5259.52%
EPS NY rev (1m)-5.97%
EPS NY rev (3m)-4.34%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.85%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 23.34
P/S 0.94
P/FCF N/A
P/OCF N/A
P/B 2.01
P/tB 3.59
EV/EBITDA N/A
EPS(TTM)-0.6
EYN/A
EPS(NY)0.56
Fwd EY4.28%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS13.88
BVpS6.49
TBVpS3.65
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.09%
ROE -9.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 12.75
Quick Ratio 12.75
Altman-Z N/A
F-ScoreN/A
WACC8.91%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y-1106.4%
EPS Next 2Y205.61%
EPS Next 3Y171.62%
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year27.11%
Revenue Next 2Y28.17%
Revenue Next 3Y25.66%
Revenue Next 5YN/A
EBIT growth 1Y63.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year116.25%
EBIT Next 3Y110.25%
EBIT Next 5YN/A
FCF growth 1Y-27.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-27.35%
OCF growth 3YN/A
OCF growth 5YN/A

KLARNA GROUP PLC / KLAR FAQ

Can you provide the ChartMill fundamental rating for KLARNA GROUP PLC?

ChartMill assigns a fundamental rating of 2 / 10 to KLAR.


What is the valuation status of KLARNA GROUP PLC (KLAR) stock?

ChartMill assigns a valuation rating of 1 / 10 to KLARNA GROUP PLC (KLAR). This can be considered as Overvalued.


How profitable is KLARNA GROUP PLC (KLAR) stock?

KLARNA GROUP PLC (KLAR) has a profitability rating of 0 / 10.


How financially healthy is KLARNA GROUP PLC?

The financial health rating of KLARNA GROUP PLC (KLAR) is 4 / 10.